I only rented this year to help offset the cost of a cruise in October. I used a broker and honestly, wish I had not.
But, it made me realize that in the future, if I do need or want to, I will look to family and friends first...or transfer points instead.
IMO, for the occasional time when one might need to rent, it might be fine but for a strategy, especially now with some of what happened and as mentioned, the potential discounts we may see from Disney, rental amounts will need to come down because once you add insurance, it may not be the savings is once was.